Discover Card Complaint - Closing Your Account
I had paid my Discover bill in full and had a $29.00 credit on the account. I called the company and asked that they refund my $29.00 and close my account. (1st request) I was asked why I wanted to close the account. I told them that I was slowly paying off all my debt and I wanted this account closed (2nd request). The representative told me that if I was trying to pay off my debt she could give me a low interest rate on my card and have all my debt transferred to my Discover card. I again asked her to please just close my account (3rd request). She asked if there was anything she could do to have me make Discover my primary card of choice and I again asked her to simply close the account (4th request). She warned me that closing this account could adversely affect my FICO score and strongly warned me not to close it. I told her she didn't need to worry about MY FICO score, I would worry about it, CLOSE MY ACCOUNT (5th request). Then she went on to tell me I didn't need to raise my voice, that she needed to let me know what products were available, they wanted to keep my business, they would help me pay off my debt by helping my consolidate, blah blah blah.
I asked if by law she needed to provide me with this information and was told YES. I then asked her if she was sure BY LAW that she needed to tell me this. She then backtracked and told me that it was company policy that she tell me this, it was not the law. This went on for 10 minutes!! I finally warned her to close the G***amn account or I'd report her to the better business bureau. She was quiet for the rest of the phone call and within 10 days I received my check and a letter that my account had been closed. It's no wonder that so many people are in debt up to their eyeballs.
Forewarned is forearmed. If you want to close your account don't be bullied by the customer service representative CLOSE IT.